Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | FBC MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Strong | $4,298Fees | 0.280%Above | 117 | |
2 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,170Fees | 0.169%Above | 7,468 | |
3 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,572Fees | 0.043%Below | 539 | |
4 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,946Fees | 0.369%Above | 114 | |
5 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,142Fees | 0.097%Above | 1,774 | |
6 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Strong | $2,000Fees | 0.111%Above | 585 | |
7 | GoodLeap, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Strong | $5,874Fees | 0.190%Below | 152 | |
8 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $2,134Fees | 0.340%Above | 102 | |
9 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,050Fees | 0.197%Above | 3,925 | |
10 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,811Fees | 0.261%Above | 547 | |
11 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,052Fees | 0.372%Above | 264 | |
12 | NATIONS DIRECT MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,429Fees | 0.357%Above | 148 | |
13 | INSPIRE HOME LOANS INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,417Fees | 0.479%Above | 142 | |
14 | PLANET HOME LENDING, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,860Fees | 0.227%Above | 128 | |
15 | FIRST COLONY MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,169Fees | 0.166%Above | 117 | |
16 | RESICENTRAL, LLCIndependent Mortgage Company | Strong | Strong | Strong | Sound | Strong | $1,622Fees | 0.172%Above | 96 | |
17 | OCMBC, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,713Fees | 0.519%Above | 1,452 | |
18 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,922Fees | 0.468%Above | 817 | |
19 | FRANKLIN LOAN CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | Exceptional | $3,498Fees | 0.459%Above | 595 | |
20 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $2,872Fees | 0.239%Above | 376 | |
21 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,291Fees | 0.443%Above | 374 | |
22 | NMSI, INC.Independent Mortgage Company | Strong | Sound | Sound | Exceptional | Strong | $3,237Fees | 0.307%Above | 358 | |
23 | NFM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,075Fees | 0.182%Below | 182 | |
24 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $5,543Fees | 0.288%Above | 129 | |
25 | HOMEBRIDGE FINANCIAL SERVICES, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $3,105Fees | 0.393%Above | 129 | |
26 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,471Fees | 0.150%Above | 562 | |
27 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,646Fees | 0.486%Above | 472 | |
28 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,235Fees | 0.377%Above | 360 | |
29 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,391Fees | 0.260%Above | 334 | |
30 | SUN WEST MORTGAGE COMPANY, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,340Fees | 0.146%Above | 330 | |
31 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,544Fees | 0.362%Above | 276 | |
32 | Equity Prime Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,612Fees | 0.542%Above | 260 | |
33 | Hometown Equity Mortgage, LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $2,722Fees | 0.464%Above | 222 | |
34 | ZILLOW HOME LOANS, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,151Fees | 0.256%Above | 220 | |
35 | Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,987Fees | 0.256%Above | 219 | |
36 | JMAC LENDING, INC.Independent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $2,968Fees | 0.382%Above | 136 | |
37 | MORTGAGE SOLUTIONS OF COLORADO, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,376Fees | 0.475%Above | 129 | |
38 | FIRST NATIONS HOME FINANCE CORPORATIONIndependent Mortgage Company | Strong | Sound | Sound | Strong | Strong | $2,953Fees | 0.258%Above | 127 | |
39 | ONY GLO, INC.Independent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $3,504Fees | 0.395%Above | 125 | |
40 | Commerce Home Mortgage, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,377Fees | 0.521%Above | 123 | |
41 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,138Fees | 0.126%Above | 118 | |
42 | STG MORTGAGE INCIndependent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $3,000Fees | 0.382%Above | 111 | |
43 | ROYAL PACIFIC FUNDING CORP.Independent Mortgage Company | Strong | Acceptable | Strong | Sound | Exceptional | $4,529Fees | 0.599%Above | 339 | |
44 | GOLDEN EMPIRE MORTGAGE, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Strong | $4,777Fees | 0.589%Above | 329 | |
45 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Strong | $5,706Fees | 0.620%Above | 218 | |
46 | EZ FUNDINGS INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $4,638Fees | 0.430%Above | 196 | |
47 | FlexPoint, Inc.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $4,503Fees | 0.643%Above | 135 | |
48 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $4,045Fees | 0.419%Above | 126 | |
49 | RESIDENTIAL WHOLESALE MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $3,899Fees | 0.371%Above | 117 | |
50 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,491Fees | 0.432%Above | 92 |
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.